At What Point Is A Collection Considered Valueable?

I don't think you can just put a dollar value on your collection.
Besides the dollar value there is the sentimental value and the amount of time and effort that went into hunting for those coins that wanted to finish a particular set off.
Also there are those coins given to you by family members that are no longer with us.
Insurance doesn't cover certain losses, so it is a wasted expense.
A good gun safe will hold a heap of coins along with the necessary "insurance tools" to protect them

I wouldn't put my family in any situation that would involve someone trying to break into my home to steal my valuables, which is why I have multiple safety deposit boxes.

It's well known that a very high percentage of break-ins are "in-side jobs", therefore my theory is if they know I don't have it at home; they leave me alone lol

No they are not fire proof.
But then again you can't have everything.
If there is a fire my collections and swords are the first thing I would grab, then the photo albums.
Everything else is covered with houshold insurance and is replacable.

Good point 1cent
As soon as the banks go #rse up they lock the doors pretty quick.

Given the chance of a fire and a bank folding I'll pick a bank folding first

Yeah, um, I can't find the . button on the phone :)

A false wall? What, in the house library, with a certain book needing to be tilted to activate the mechanism. Who has that? That would be crazy expensive to install if even possible depending on the architecture of your home. I might as well hire an armed guard to stand next to my coins 24 hours a day.

Safety deposit boxes are good, but you have to be selective if you can't get a larger box (I have been on a waiting list for years, for the largest box at my bank). For everything else, I opted for insurance. When it comes to collecting, you cannot recover the time lost put into new varieties and the like, but the coins are merely items, like a piece of art on a wall or my wife's jewelry. Most home insurance only covers numismatic items up to $1000. Note that you have to keep meticulous records and documents (auction receipts or coin bourse receipts). Third party coin insurance will vary based on your living set-up, for example it is cheaper for a high-rise concrete condo with a doorman and security measures, but even for a typical house with decent security precautions (and a big angry dog!), it is cheaper than insuring a second car or motorcycle. I pay a heck of a lot more for green fees, golf balls and tips for the beer-cart-girl on an annual basis... and have nothing to show for it except some lost balls and a bit of swearing! You can drive for a lifetime, and never get into accidents, yet you spend thousands to insure your car. It is all a matter of perspective.

I would die protecting my family, but I would never put them at risk protecting my coins... worst case scenario, I can mitigate against the loss of a collection.

That is movie stuff, anyone with a bit of carpentry skills can accomplish the task of creating a false wall in a weekend of work. It also helps to have a reasonably sized house too, false walls are virtually impossible to hide in a 750 sq ft one bedroom shotgun house.